Financial insights of OBNK

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30
Interest and fees on loans	120,096
Investment securities-taxable	8,767
Investment securities-nontaxable	1,523
Interest and dividend income on assets held in other financial institutions	5,753
Total interest and dividend income	136,139
Interest-bearing deposits	51,026
Fhlb advances and other borrowings	273
Subordinated indebtedness	1,136
Total interest expense	52,435
Net interest income	83,704
Provision for credit losses	36,820
Net interest income after provision for credit losses	46,884
Revenue from contracts with customers-Products And Services Insurance Commission And Fees	6,598
Revenue from contracts with customers-Products And Services Deposit Service Fees	4,965
Other fee income	2,262
Mortgage banking revenue	726
Swap fee income	1,387
(loss) gain on sales of securities, net	0
Change in fair value of equity investments	6,972
Equity method investment (loss) income	550
Other income	2,668
Total noninterest income	26,128
Salaries and employee benefits	37,863
Occupancy and equipment, net	7,079
Data processing	3,526
Office and operations	3,184
Intangible asset amortization	1,583
Regulatory assessments	1,269
Advertising and marketing	1,524
Professional services	1,395
Electronic banking	1,470
Loan-related expense	979
Franchise tax expense	686
Other expense	1,470
Total noninterest expense	62,028
Income before income tax expense	10,984
Income tax expense	2,361
Net income	8,623

Basic EPS	0.28
Diluted EPS	0.27
Basic Average Shares	31,183,092
Diluted Average Shares	31,363,571

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.